Cost & financial aid brief
Texas A&M University-San Antonio Tuition, Costs & Financial Aid
How much does Texas A&M University-San Antonio cost after financial aid?
Aid covers about 48% of the published cost for the average aid recipient, a dollar gap of $10,459. In its 2025-26 Common Data Set, the university reported that for the 2024-25 academic year, 822 first-year students were determined to have financial need.
Of those, 6 had their need fully met. The average share of need met for aided students was 70%, with an average need-based grant of $10,290 and an average package of $11,336.
55 first-year students received an average merit award of $7,603. The pattern across income bands shows a relatively flat structure.
The lowest-income band averages $9,596 while the highest band averages $13,021, a spread of $3,425.
The published cost of attendance is $21,655. Azimuth ranks Texas A&M University-San Antonio #94 for affordability among nonprofit four-year institutions.
After grants and scholarships, the average net price for aid recipients from families earning under $30,000 is $9,596, for those earning $48,001 to $75,000 it is $12,898, and for those earning over $110,000 it is $13,021. The spread between the lowest and highest bands is $3,425.
Aid covers about 48% of the published cost for the average aid recipient. The across all aid recipients is $11,196, which is $2,872 below the $14,068 median for comparable institutions (same type and size).
Borrowers who finish carry a median of $18,401 in federal student loans. That is $2,828 below the peer median of $21,229.
75.6% of federal aid recipients take federal loans. Parents who borrow hold a separate median of $9,333 in Parent PLUS loans.
If repaid over ten years, the median federal student debt corresponds to an estimated payment of $209 a month.
Student loans: what does repayment look like?
Four years after completing a degree, federally aided graduates of Texas A&M University-San Antonio who are working and not enrolled earn a median of $55,112. Among nonprofit four-year institutions, that earnings level is at the 33rd percentile.
The figure is $2,189 below the $57,301 median for comparable institutions (same type and size). Graduates of the university earn about $6,522 more than expects for similar students.
The earnings-beyond-expectations measure sits at the 75th percentile. Earnings scenarios, estimated from the program mix, span from $45,625 on the downside to $67,621 on the upside, with $55,112 as the typical scenario.
Borrowers who finish carry a median of $18,401 in federal loans. That amount is $2,828 below the $21,229 median for comparable institutions (same type and size).
If repaid over ten years, that debt corresponds to an estimated payment of $209 a month.
For the separate population of parent borrowers, median Parent PLUS borrowing is $9,333. For student borrowers, that debt corresponds to an estimated payment of $209 a month if repaid over ten years.
Repayment figures are in the Financial GPS card below. Borrowing populations and model assumptions.
Parent loans: what can the family afford?
How Parent PLUS borrowing affects families
- Median Parent PLUS debt
- $9,333
- Estimated parent payment
- $119/mo
| Income | Risk level |
|---|---|
| $35,000 | High pressure |
| $50,000 | High pressure |
| $75,000 | Caution |
| $100,000 | Safe |
| $150,000 | Safe |
| $200,000 | Safe |
The model holds the parent balance fixed and varies parent income. Read the assumptions and limits.
Student and parent loans: the monthly payments
Financial GPS
What does repayment look like?
- Institution median student debt
- $18,401
- Institution Parent PLUS debt
- $9,333
Federal loans only; private or institutional loans aren’t included.
- Estimated student payment · monthly
- $209/mo
- Estimated Parent PLUS payment · monthly
- $119/mo
- Modeled student + parent payments
- $328/mo
Payments use school-wide median balances, not a specific major’s.
Student payment as a share of available income
At median graduate earnings of $55,112, with a $22,590 annual allowance for basic expenses:
7.7% of income above the allowance · Excellent
- Excellent Under 8% · selected scenario
- Good 8–under 12%
- Concerning 12–20%
- High risk Over 20%
How this estimate works
These are modeled earnings scenarios, not observed earnings percentiles. Annual student payments ÷ (earnings − basic-expense allowance). The starting allowance, $22,590, uses the published framework’s 2024 baseline; it is not a current local living-cost estimate. Change it for your budget, including taxes and other obligations. This combines school-level figures for illustration, not a typical individual’s budget or an official school rating. Parent PLUS is separate.
Payment assumptions
Payments are 10-year standard payments on the median balance, before loan fees, used as a yardstick. Rates for newly issued loans may differ, and loans made after July 1, 2026 can repay over a longer term; existing loans keep their original fixed rates.
Data & methodology
Sources and reporting periods: methodology.
Analysis and methodology by Daniel Rogers, founder of College Azimuth.
Explanatory text is AI-assisted drafting checked against those figures; it is not an additional data source.
Figure notes link to sources and limitations. About College Azimuth.
Net price and borrowing. The 2023–24 income-band averages include living costs and cover eligible first-time, full-time aid recipients; public-school figures reflect in-state tuition. They are not individual aid offers. Peer matching supplies overall net prices, not matched income-band averages. College Scorecard data and documentation.
A personal student-risk assessment also needs your major and borrowing plan; these school-level illustrations do not assign you a personal risk zone.
Payments are 10-year standard payments on the median balance, before loan fees, used as a yardstick. Rates for newly issued loans may differ, and loans made after July 1, 2026 can repay over a longer term; existing loans keep their original fixed rates. Private-loan figures from the Common Data Set are separate from these federal repayment illustrations.